Call reports 2017
WAYPOINT BANK — 2017
What WAYPOINT BANK reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 259,484,000 | 254,107,000 | 252,019,000 | 268,393,000 |
| Total loans | 173,428,000 | 180,909,000 | 178,222,000 | 188,821,000 |
| Allowance for loan losses | 4,433,000 | 4,397,000 | 4,423,000 | 4,410,000 |
| Securities available for sale | 60,781,000 | 49,077,000 | 48,233,000 | 49,207,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 200,818,000 | 203,387,000 | 209,538,000 | 216,189,000 |
| Interest-bearing deposits | 146,043,000 | 149,008,000 | 153,666,000 | 153,386,000 |
| Noninterest-bearing deposits | 54,775,000 | 54,379,000 | 55,872,000 | 62,803,000 |
| Equity capital | 31,515,000 | 32,338,000 | 32,608,000 | 32,352,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 2,546,000 | 5,232,000 | 8,065,000 | 10,833,000 |
| Interest expense | 199,000 | 430,000 | 685,000 | 947,000 |
| Net interest income | 2,347,000 | 4,802,000 | 7,380,000 | 9,886,000 |
| Noninterest income | 239,000 | 464,000 | 678,000 | 887,000 |
| Noninterest expense | 1,324,000 | 2,632,000 | 4,055,000 | 5,585,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 1,233,000 | 2,605,000 | 3,944,000 | 5,099,000 |
| Income tax | 17,000 | 38,000 | 59,000 | 80,000 |
| Net income | 1,216,000 | 2,567,000 | 3,885,000 | 5,019,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,218,000 | 29,569,000 | 29,887,000 | 30,021,000 |
| Total capital | 31,969,000 | 32,308,000 | 32,597,000 | 32,913,000 |
| Risk-weighted assets | 218,400,000 | 217,429,000 | 215,093,000 | 229,855,000 |